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How are Credit Reports and Credit Scores Created? (Video)

If you have ever applied for credit, the lender reviewing your application most likely pulled your credit report and credit score. What makes up a credit report and why could credit scores be different across lenders?

The FICO Score is the credit score used in 90% of lending decisions. For a quick refresher on what the FICO Score is and isn’t (for example, the FICO Score doesn’t access or store a consumer’s credit data), please take a look at the short video below.

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